J.O. Emanuel – Chairman
A seasoned technocrat and industrialist, Mr J. O. Emanuel has interests in several blue chip concerns both within and outside Nigeria. He is on the boards of Grand Cereal Industries, Macmillan Nigeria Publishers Limited, Borini Prono & Co. (Nigeria) Limited, Hogg Robinson Nigeria Limited, Universe Reinsurance Company Limited, amongst several others. 

Abimbola Pinheiro – CEO
A seasoned professional with over 16 years’ experience covering Banking, Financial and Consultancy services. He was the Head, Conglomerates and General Commerce Group, Corporate Bank in Bank PHB Plc., now Keystone Bank from August 2008 till he left to start his own Credit Card Company, O3 Capital Nigeria Limited. He obtained a Master of Business Administration (MBA) degree in Strategy from the University of Lagos, Nigeria in the year 2006 and a Bachelor of Science (B.Sc.) degree in Computer Science from the University of Lagos, Nigeria in 1996.He is also a member of the Institute of Directors Nigeria. 

Ahmad Damcida
Ahmad has astute finance, energy and project management background. He is currently the Chairman of Triumph Assets Limited an Investment Management and Public Enterprise Company. He is also a Director in both Energy Culture Limited (Energy Trading Services and Projects) and East Atlantic Energy Solutions Limited (Power Generation) and he holds significant interests in FCMB Plc. 

Olufemi Pampam
Has 14 years’ experience in implementing and managing business critical applications. He is the Professional Service Director at Redmain Solutions, a CRM Consultancy firm based in the UK. Femi has been in charge of shaping and delivering change through strategic CRM transformation and operation optimization for different companies that cuts across varied industry sectors, companies such as Visa International UK, KPMG Amsterdam, Novartis, King Fisher Group and the Dresdner Bank. 

Babafemi Faiga
Femi possesses more than 13 years’ experience across telecommunications, consumer products and services, manufacturing, aviation, energy and utilities and financial services sectors in Africa and Western Europe. He possesses over 17 years Business Advisory experience from PricewaterhouseCoopers where he acquired functional expertise such as Risk Management, Financial Control, Change Management, Due Diligence, Performance Improvement, Financial Audits, Taxation Advisory and Financial Effectiveness. 

Taye Falana – Head Of Operations
Taye Falana is a professional with over 11 years’ experience in Banking, Financial Services and Card Operations. He has a resourceful and result-driven career in Branch Operations and Management, Customer Service, System Administration, Credit/Debit and Pre-paid Cards Operations Management and Support, E-payment Channels Support, E-Product Sales and Marketing, People Management and Retail Business. He rose through the cadre in various banking operations capacities in First Atlantic Bank, which was later known as FinBank Plc and now First City Monument Bank Plc to the position of the Head of Operations. He was part of the pioneer team in the first non-bank credit card company in Nigeria. 

Doris Nnakwe – Head, Sales & Marketing
Doris Ifeanyi Nnakwe is a graduate of Geology and Mining from Enugu State University of Science & Technology who has worked 15yrs Post UME in various fields of endeavor. Her experience in Sales & Marketing cuts across various sectors which include but not limited to advertising/branding and business promotion, marine and finance. 

She has mostly made a tremendous impact in the Finance sector and presently works as the Head of the Sales & Marketing department of O3 Capital Ltd. She currently runs a senior management programme at the Lagos Business School (LBS). 

Balogun Temitayo Bukola – Head, Human Resources
Mrs. Balogun Temitayo Bukola holds a Bachelor of Science degree in Agriculture from the University of Ibadan and a Master’s in Business Administration (MBA) from the University of Lagos. An associate of the Chartered Institute of Personnel Management, Temitayo has over 12 year’s progressive banking career across various functions including e- business processes, customer relationship management, project management and Human resources. 

Temitayo is the Head, Human Resources and Corporate Communications at O3 Capital Nigeria Limited, the first non- bank credit card company in Nigeria. She also oversees the customer service and Card production units. 

Olayinka Ogunsola – Head, Risk Management/Settlement & Reconciliation
Olayinka Ogunsola is a finance professional with over 8 years’ experience in Banking Operations, Financial Services and Card Operations, Change Programs and Process Improvements within global financial institutions. He has worked with First Bank of Nigeria, John Bedola Enterprises Ltd and currently the Chief Credit officer and also heads the Reconciliation and Settlement Unit with O3 Capital Nigeria Ltd. He was part of the pioneer team in the first non-bank credit card company in Nigeria. Olayinka is an Associate of the Chartered Institute of Bankers of Nigeria. 

Kayode Adegbola – Head Accounts & Finance
Kayode Adegbola is the Head of Accounts & Finance of O3 Capital Nigeria Limited. He is a seasoned Accountant with over 13 (thirteen) years of cognate professional working experience spanning various economic sub-sectors of Nigerian economy – Foods & Beverages (Vicbol Nigeria Ltd.), Engineering & Logistics (NMR Intercontinental Group) Oil and Gas (Obat Oil & Petroleum Ltd.), Real Estate and Construction (Ambassage Properties & Sage Homes Ltd.) and also had a stint with Eurapharma Care Services Ltd – a multinational member firm of CFAO Group.